Many years ago I worked in the International Department of an Oz bank, so things may have changed, and/or maybe a bit different in the UK. However, SWIFT was solely an encrypted messaging system between banks, with the sending bank instructing the receiving bank to do something, ie pay SCB with SWIFT code SICOTHBKXXX account number 123456 Name Joe Bloggs GBP50,000. The initial transaction is done at your bank, or a bank that you choose eg HSBC and you pay the funds to them. they will then send the instruction to SCB, and make a THB payment to them. SCB will in turn credit your account, less any fees. Bear in mind that the sending bank is making their money from the spread in the exchange rate, plus the initial fee, which may be a percentage of the about being sent. It could be that your bank does not have correspondent arrangements with your SBC, or even a Thai bank, sound would need to go through an intermediary bank, eg Halifax -> HCBC UK -> HSBC TH -> SCB. The transfer used to take a couple of working days (yep with the bank retaining the interest). Wise or AirWallex would likely be cheaper, but as mentioned, you would need to complete it in several amounts. It may also depend on your daily transfer limit with your bank. A bank draft, ie a bank cheque in THB may also work if you bring it with you (check with your bank and SCB about them first), if they are still a thing these days. Drafts may take several days to a week (or more) to clear.